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Top Service
IBC Member Offer

An exclusive offer and preferential pricing on Credit Management Solutions for IBC Members

Exclusive IBC Member Benefits

Available to all IBC Members regardless of Top Service Membership:

  • Unlimited Access to FREE Credit Management Advice
    Just call 01527 503990
  • FREE Annual Credit Control Healthcheck
    With recommendations to protect your business

PLUS a 7-Day, No Obligation Free Membership Trial:

  • Unlimited Trading Experiences & Credit Information
  • Unlimited Company & Director Monitoring
  • 3 Chasing Letters & Unlimited Chasing Emails

Access Your
Free Credit Healthcheck

Access your free Healthcheck GET STARTED

The Top Supplier of Credit Management Solutions for the Construction Industry

Helping Fellow Traders For Over 30 Years

For over 30 years we have helped thousands of your fellow traders in the construction industry avoid problem payers and reduce their bad debt. All our members benefit from access to our unique and invaluable credit information and our effective recovery services.

IBC Member Price

£36.75 exc VAT

per month

Standard Rate £49.00 exc VAT

Prevention

Invaluable insider information at your fingertips

Our unique credit information and monitoring services will ensure that you minimise your exposure to bad debt and will help you to stay ahead of the game

More Info

Recovery

All the tools you need for hassle free debt recovery

From a gentle reminder to taking legal action, our recovery service can be tailored to your needs and help make your unpaid invoice a priority.

More Info

Top Service Membership Benefits

  • Exclusive 25% Discount for IBC Members
  • 1st Month FREE Upon Signing (Instant Access)
  • Annual Credit Control Health Check (One Per Year)
  • Credit Information (Unlimited)
  • Company & Director Monitoring (Unlimited)
  • Chasing Letters (10 per Month)
  • Chasing Emails (Unlimited)
  • Credit Management Support & Advice (Unlimited)
  • Debt Recovery (Unlimited*)

*charged on a commission basis

First Debt Revoverd Free
Access your free Healthcheck

Get Started With Your Seven Day FREE Trial

IBC Free Trial
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Top Service News

Protect Your Cash Flow: Supply Chain Monitoring Included in Your Membership

Published on 22nd May 2026

In the construction sector, project margins are tight, and insolvencies can trigger a devastating domino effect down the supply chain. A main contractor, sub-contractor, or materials supplier failing mid-project can stall a build and leave you facing severe bad debt. As part of your membership with us, you have unlimited access to our Construction Credit... Continue Reading

Navigating the “Structural Reset”: Four Shift Pressures Every Construction Credit Manager Must Face in 2026

Published on

With construction accounting for 16% of all UK business failures, relying on yesterday’s static data is an active threat to contractor survival. The UK construction industry isn’t just navigating standard economic cycles; it is undergoing what analysts call a permanent “structural reset.” For credit management departments and finance directors, relying on yesterday’s data to make... Continue Reading

Construction Insolvencies England and Wales: April 2026 Update

Published on 19th May 2026

Construction remains the most exposed sector as England and Wales company failures rise 2% month-on-month. Overview Registered company insolvencies in England and Wales ticked upward in April 2026. This increase sustains the financial pressures we saw at the end of the first quarter. The Insolvency Service recorded 2,085 registered company insolvencies in England and Wales... Continue Reading

Top Resources

Customer Credit
Application Form

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Credit Application
Form Guidance

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Free Compensation & Interest Calculators

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What our customers say

You have helped us to avoid getting our fingers burnt many times.

James Keay, SELECT A SKIP (UK) LTD

 Top Service provides Tarmac with invaluable support for new customer trading history and early fraud detection. The trading histories enable us to avoid potential late payers, or to identify that a customer has cash flow difficulties”

Jo Stevens at Tarmac

 “This is why you are better than everyone else, this is part of the service that I didn’t even know you gave, you guys really are on it. You have reinforced my decision to join yourselves, please thank your team, nowhere else provides a service like this better than yourselves”

Martin Gillingham from MJG Timber Ltd

Top Service has been my second pair of eyes when I need it.

Top Service plays a huge part in managing our credit control processes. Their industry-specific expertise, fast response times, and professional approach have helped our business mitigate financial risk on numerous occasions…

What sets Top Service apart from other credit reference agencies is their personal approach and the extended range of services. Not only do they offer credit reports, they also act as an anonymised credit forum and a debt collection agency, all rolled into one!

 Angelina at PVC Building Supplies Ltd

In our credit management procedures, we engage with two agencies for credit information. One is a mainstream agency, and the other is Top Service because of their construction industry-specific information.

Recently, when assessing a potential customer seeking a credit account, our primary provider’s data seemed satisfactory at first glance. However, upon cross-referencing with Top Service’s industry-specific insights, a completely different picture unfolded. This led us to decline the credit account, potentially saving our business £10,000. This is why we love using Top Service. Their unparalleled industry-specific information enables us to make well-informed credit decisions, safeguarding our business against bad debt risks.”

Louise Cain, Credit Manager at Sydenhams

We have used a few other agencies for credit checking and chasing letters and we find Top Service to be the best.

Louise Goad, TRADE FRAMES SOUTH WEST LTD

The assistance we have received from Top Service is second to none. A great service all round.

Paul Carne, CHC WASTE FACILITIES MANAGEMENT LTD

Top Service is a tool that every credit controller should have. They have significantly helped Millers Oils in reducing our bad debts and I would recommend it to one and all.

Mandy Richards, MILLERS OILS LTD

I thank you for a service unrivalled by any in the construction industry.

Kevin Sourbutts, CLASSIC PVC HOME IMPROVEMENTS LTD

“We’ve used a few different credit checking companies, and none are as up-to-date as Top Service. With the ability to log positive or negative issues you are experiencing with customers regarding payment to help assist others within the industry, it is game-changing. Pairing this with a chase email function built in really helps us with our cash flow. Finally, if the next step is needed, Top Service can also chase the debt for you. Thanks for the support, and we look forward to continuing to work with you”

Andy From Simple Trade Solutions Limited